Can you afford a full coverage dental insurance? or rather can you afford not to have a full coverage? If you have a family or in any case you need a lot of dental work to be done in the future then you should answer yes to the second question.
So what is Full coverage dental insurance?
As the name suggest, full coverage means that your dental insurance should pay for all of the procedures done by the dentist.
The coverage of course starts from your routine dentist visit for your mouth and gum examination and measurement.
The routine dentist t visit once every six months for your teeth to be cleaned, scaled, flossed, and polished. All of this procedures should be 100% covered.
All of your teeth extraction expenses should be covered by the full dental insurance too. It does not matter if the extractions are being performed so you can get braces or other orthodontic procedures or because the tooth was decayed or abscessed. This also includes the extraction for baby tooth or a wisdom tooth.
Other procedures such as fillings, crowns, bridges, root canals, fluoride treatments, braces, gum surgery, dental implants, and many other procedures are all covered by full coverage dental insurance.
Full coverage dental insurance could be quite expensive, and not everyone can afford this kind of coverage even if they need one.
What is the alternatives to full coverage dental insurance?
One answer to that is a discount dental network plan.
With a discount dental network, dentists agree to provide services at reduced costs to network members. One advantage of working with a network is that pre-existing conditions will be covered. There are no complicated forms to be filled out for claims processing. There is no waiting period, and no one will be turned down for coverage.
Dentists who provide care through a discount dental network provide the same quality treatment to their network customers as they provide to their regular customers who have full insurance coverage
The discount dental network refers a high volume of patients to the dentist, making it possible for the dentist to offer care to network members at reduced rates. Both the patient and the dentist receive a schedule of benefits from the discount dental network, so there are no unpleasant surprises on either side.
Discount dental plan is a great alternatives for people who do not get full coverage from their employers or for self employed individuals.